*APR = Annual Percentage Rate. Rate as of March 1, 2017. As low as prime rate on December 1, 2016 minus 1/2%. Rates are adjusted semi-annually and are based on the prime rate as of June 1st and December 1st of each year. Closing costs waived include appraisal, title search, flood certification, recording fees. Savings based on $25,000 borrowed at 3.25% APR compared to 5.0% (Bankrate.com) financed over 15 years. To win $250 NO PURCHASE NECESSARY. Automatic entry with loan closing plus photo submission on PlantYourProject.com. You may send a 3 x 5" card with name, address, and phone number addressed to Plant Your Project Give-away, 1645 Webster Street, Dayton, OH 45404. Winner will be drawn on or before June 15, 2017 and will be notified by phone. Membership eligibility required. This credit union is federally insured by the National Credit Union Administration. Equal Housing Lender.